Expensify (EXFY) Interest Coverage Ratio (2020 - 2025)
Expensify (EXFY) posted Interest Coverage Ratio of 39.37 for Q4 2025, down 3737.57% sequentially from 1.03 in Q3 2025, and down 404.8% YoY from 12.92 in Q4 2024.
Expensify (EXFY) Interest Coverage Ratio (2020 - 2025) Analysis & Trends
Expensify has reported Interest Coverage Ratio for 6 years, with the latest figure at 39.37 in Q4 2025.
- Quarterly Interest Coverage Ratio fell 404.8% year-over-year to 39.37 in Q4 2025, while the trailing twelve-month figure through Mar 2026 was 136.06 (down 53530.95% YoY) and the FY2025 annual result came in at 1.27, down 1425.64% from the prior year.
- Interest Coverage Ratio declined to 39.37 in Q4 2025 per EXFY's latest filing, from 1.03 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 37.49 in Q2 2021 and troughed at 74.49 in Q3 2023.
- A 5-year average of 9.55 and a median of 3.89 in 2023 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2024 and 2025: Interest Coverage Ratio soared 432.3% in 2024, then plunged 9334.83% in 2025.
- Over 5 years, Interest Coverage Ratio stood at 7.91 in 2021, then soared by 95.03% to 0.39 in 2022, then slumped by 887.86% to 3.89 in 2023, then jumped by 432.3% to 12.92 in 2024, then sank by 404.8% to 39.37 in 2025.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 39.37, 1.03, and 2.25 for Q4 2025, Q3 2025, and Q2 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Sap Se | 255.48 Bn | 234.41 Bn | 16.51 Bn | -8.75 |
| 2 | Shopify | 198.95 Bn | 194.00 Bn | 1.71 Bn | 1.32 |
| 3 | Salesforce | 160.70 Bn | 148.86 Bn | 8.56 Bn | 0.80 |
| 4 | Uber Technologies | 154.94 Bn | 149.73 Bn | 6.38 Bn | 14.88 |
| 5 | ServiceNow | 128.25 Bn | 123.58 Bn | 2.82 Bn | 0.15 |
| 6 | Snowflake | 114.00 Bn | 111.05 Bn | 926.45 Mn | -6.14 |
| 7 | Automatic Data Processing | 108.58 Bn | 104.35 Bn | 2.51 Bn | -13.95 |
| 8 | Adobe | 105.34 Bn | 99.72 Bn | 5.90 Bn | 15.65 |
| 9 | Intuit | 94.55 Bn | 87.77 Bn | 7.24 Bn | 4.58 |
| 10 | Expensify | 211.36 Mn | 145.60 Mn | 16.33 Mn | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -39.37 |
| Sep 30, 2025 | -1.03 |
| Jun 30, 2025 | -2.25 |
| Dec 31, 2024 | 12.92 |
| Sep 30, 2024 | 0.03 |
| Jun 30, 2024 | 0.02 |
| Mar 31, 2024 | -3.95 |
| Dec 31, 2023 | -3.89 |
| Sep 30, 2023 | -74.49 |
| Jun 30, 2023 | -6.99 |
| Mar 31, 2023 | -1.92 |
| Dec 31, 2022 | -0.39 |
| Sep 30, 2022 | -28.59 |
| Jun 30, 2022 | -19.87 |
| Mar 31, 2022 | -18.13 |
| Dec 31, 2021 | -7.91 |
| Sep 30, 2021 | -39.02 |
| Jun 30, 2021 | 37.50 |
| Mar 31, 2021 | 15.96 |
| Dec 31, 2020 | 5.91 |